Can you use HSA for NIPT?
Asked by: Mrs. Melisa Harber | Last update: January 11, 2026Score: 5/5 (45 votes)
Can I use HSA for NIPT test?
Yes. You can pay for it with an HSA or FSA. I used our HSA last time and FSA the time before. Specifically I had the Natera Panorama test but it shouldn't matter the brand. Just keep the report your results come in, you'll need to submit that for the verification of the expense.
Can I use my HSA for genetic testing?
A popular genetic test that's covered by HSAs and FSAs without an LMN is the BRACAnalysis test, which determines if the user has a mutation on the BRCA1 or BRCA2 gene.
Can I use my HSA for hormone testing?
Specialty Lab Testing
From hormone panels such as DUTCH testing to complete thyroid panels, stool panels, and more, you can use your HSA/FSA to help cover the costs. These tests are often necessary to get to the root cause of your symptoms, which can provide you faster relief on your journey to health.
Are baby gender tests HSA eligible?
The cost is $100 out of pocket. You can use your HSA if you have one, but we will not run this through insurance. Yes, gender blood tests have the potential to be incorrect.
What You Need To Know About NIPT, or Noninvasive Prenatal Testing
What pregnancy tests are covered by HSA?
Are pregnancy tests HSA eligible? Yes! According to the IRS, “you can include in medical expenses the amount you pay to purchase a pregnancy test kit to determine if you are pregnant.”6 This includes any Clearblue® pregnancy test !
Is the Apple Watch HSA eligible?
Why other fitness trackers don't qualify. Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
Can I use my HSA for gym membership?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Can I use HSA for fertility test?
Fertility monitors and pregnancy tests. You can also use your HSA or FSA to pay for home pregnancy tests and fertility monitors like ovulation tracking tools.
What can HSA not be used for?
Other items that aren't eligible include maternity clothes, funeral costs, child care for healthy babies, toiletries, over-the-counter medicine, swimming lessons and elective cosmetic procedures. You also usually can't use HSA money to pay for health insurance premiums unless you meet certain criteria.
How much does NIPT testing cost?
The cost of NIPT can vary significantly based on several factors. In the U.S., for instance, the cost can range from $100 to over $2,000. In other countries, the price might be different, depending on healthcare infrastructure, insurance coverage, and the prevalence of private vs. public healthcare.
Can I pay for 23andMe with HSA?
While it won't cover the entire testing expense, the medical portion of ancestry services like 23andMe is now FSA- and HSA-eligible. And that can equal a lot of savings, considering it accounts for roughly $117 of 23andMe's $199 total cost.
Can I use HSA to pay for blood test?
Use FSA/HSA funds for general health tests
The good news is that lab tests investigating a wide range of issues, including Vitamin B12 and Vitamin D levels, diabetes risk, heart health, liver health, fertility and food allergies, can be purchased using an FSA or HSA card without a doctor's referral.
Does my insurance cover the NIPT test?
Most health insurances cover most (if not all) of the cost. Many cover at least a portion. Check with your insurance provider before testing to be sure. If you don't have insurance or your insurance doesn't cover NIPT tests, you can pay for the test.
Can I use my HSA to buy a baby monitor?
In general, basic audio or video-only monitors do not qualify for HSA, as they aren't directly related to health monitoring. The IRS defines eligible expenses as those necessary to diagnose, treat, or prevent a medical condition, and traditional baby monitors do not typically fall under these categories.
Can I use HSA card for STD testing?
HSA or FSA
If you have a Health Savings Account (HSA) or a Flex Spending Account (FSA), you can use it to pay for our STD testing services. Lab tests are a medical expense covered by your HSA.
Can I use HSA for pregnancy tests?
Let your HSA help offset the costs of family planning. You can use your HSA for birth control pills, fertility treatments, and pregnancy tests. Believe it or not, when you travel for surgery or medical treatment, HSA funds can help you get there. They can also cover hotel and meal expenses during your stay.
Can I use my HSA for DNA test?
A 2019 ruling by the Internal Revenue Service* means that you should be able to use funds set aside in either a Flexible Spending Account (FSA) or Health Savings Account (HSA) to cover all or a portion of the medical care costs of the 23andMe services listed below.
Can I use my HSA for skincare?
This means that any skin care costs that count towards your deductible, such as prescription medications or dermatologist visits, can be paid for using HSA funds.
Can I use HSA to buy Apple Watch?
Unfortunately the answer to this question is usually no. This is because according to the IRS, fitness trackers are used to promote what the IRS terms “general health”. Expenses under this general health definition are not considered HSA eligible expenses.
Can I use HSA for Invisalign?
Many patients are surprised to learn that you can use your Flexible Spending Account (FSA) or Health Spending Account (HSA) to pay for orthodontic treatment, including braces and Invisalign, for children and adults, which makes this the “most wonderful time of the year” to get started on your dream smile.
Can you pay for Peloton with HSA?
The partnership will make it easier for qualified US-based Peloton customers to use pre-tax Health Savings Account (HSA)/Flexible Spending Account (FSA) dollars to purchase applicable Peloton products, saving customers up to 40% off their purchase.
Can I use my HSA for YMCA membership?
Using HSA or FSA Dollars
If you have a health insurance plan with a Health Savings Account or you use a Flexible Savings Account, you may be able to use money from those accounts to pay for your YMCA membership!
Can I buy Gatorade with HSA?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
Can you use HSA to buy a treadmill?
For a treadmill to be eligible for reimbursement, it must be used to treat or prevent a specific disease, including hypertension or obesity.